Top 5 Questions Future Homeowners Are Asking Online in 2025

If you’re thinking about buying a home in 2025, you’re not alone. Search engines are flooded with questions from future homeowners trying to figure out when to buy, how to qualify, and what to expect.

So we did the digging for you — and here are the top 5 questions people are asking online right now, with real-world insights from what we’re seeing on the ground.

1. Is 2025 a good time to buy a home?

This is the #1 question people are asking, and for good reason. Rates are stabilizing, more homes are hitting the market, and price growth has normalized in many cities. If you’re planning to stay put for 3+ years and want to build equity, it’s worth exploring. Waiting doesn’t always mean saving.

2. How much money do I need to buy a home?

You don’t need 20% down – that’s a myth. Many first-time buyers are putting down 3% to 5%, and down payment assistance programs are helping others with even less. You will also need money for inspections, closing costs, and moving. We help clients plan for that upfront.

3. What’s the minimum credit score to get a mortgage?

A 620 score can often get you into a conventional loan. FHA can go even lower. That said, your score also affects your rate, your payment, and what you qualify for. That’s why we recommend starting early so you can improve your score with small tweaks before applying.

4. What do lenders look at besides credit?

Your debt-to-income ratio (DTI), job history, income documentation, and available savings all matter. Lenders want to know you can repay the loan, and your full financial picture tells that story.

Pro tip: Don’t make any big purchases or take out new credit while shopping for a home.

5. Should I wait for rates to drop?

Here’s the truth: nobody knows exactly when rates will drop, and when they do, home prices may jump again due to buyer demand. If the payment fits your budget now, you can always refinance later. As we tell clients: marry the home, date the rate.

These questions are just the beginning. If you’re curious about buying a home, even if it’s months away, it’s never too early to start your plan. That’s what we’re here for.

Let’s map out your homeownership game plan — even if you’re 6 to 12 months away from buying. We’ll help you answer your biggest questions, run the numbers, and show you what’s possible in 2025.